Hi,

I am senior citizen currently working for an NGO post my retirement. I rceived professional services income (IT consultant) for the FY 2024-25 under section 194J and TDS at 10% was deducted and form 16A issued to me. I have rental income from jointly owned property with my wife, some interest income on SB and FD accounts, and small short term capital gains(very small amount under 1K).

I want to know:

1) Which IT I should chose ITR4 or ITR3 as STCG option is not available in ITR4 ?

2) Should I go for new tax regime or old? Last two FY(22-23 and 23-24) I have been filing under new tax regime and filing ITR 4 only since I have been doing this IT consulting since DEC 2021 post my retirement , but this year I have STCG so I am confused if I have to file same ITR4 or ITR 3. 

Please guide me.

Regards

Ramachandran R S